What is the cost of living in Decatur, IL?
According to the most recent data on the cost of living, Decatur has an overall cost of living index of 86, which is 0.9x lower than the national index of 100.
Compared to Illinois, Decatur has a cost of living index that's 0.9x lower than Illinois's index of 98.
The standard of living in Decatur ranks as #35 most affordable out of the 336 places we measured in Illinois. By definition, that implies Decatur ranks as the #301 most expensive place in the Prairie State.
For more reading on life in Decatur, check out:
Decatur Cost Of Living Vs. Illinois
Six factors go into calculating the cost of living index in Decatur. Here is how it fares on each of the criteria:
The Services index in Decatur is 96.
The Groceries index in Decatur is 99.
The Health index in Decatur is 56.
The Housing index in Decatur is 99.
The Transportation index in Decatur is 101.
The Utilities index in Decatur is 95.
| Living Expense | Decatur | Illinois | National Average |
|---|---|---|---|
| Overall | 86 | 98 | 100 |
| Services | 96 | 99 | 100 |
| Groceries | 99 | 99 | 100 |
| Health | 56 | 96 | 100 |
| Housing | 99 | 101 | 100 |
| Transportation | 101 | 99 | 100 |
| Utilities | 95 | 101 | 100 |
Decatur Cost Of Living Compared To Illinois Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Illinois, check out:
Protect your home budget Compare home warranties in Decatur Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Decatur, IL Housing Cost Breakdown
Housing swings affordability the most between places in Illinois, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Decatur is $104,058.
The Median Rent in Decatur is $845.
The Median Income in Decatur is $51,592.
The Home Value To Income in Decatur is 2.0x.
The Rent To Monthly Income in Decatur is 0.2x.
Decatur, IL Costs By Category
Detailed Decatur Services costs vs. Illinois
Detailed Decatur Groceries costs vs. Illinois
Detailed Decatur Health costs vs. Illinois
Detailed Decatur Transportation costs vs. Illinois
Decatur SnackAbility
Cost Of Living In Cities Around Decatur
The cost of living varies in the cities and towns around Decatur. Here's a quick look at the cost of living in the most populous nearby places:
Springfield, IL has a cost of living index of 93, 1.1x Decatur.
Champaign, IL has a cost of living index of 97, 1.1x Decatur.
Bloomington, IL has a cost of living index of 95, 1.1x Decatur.
| City | Population | Cost Of Living | Vs. Decatur |
|---|---|---|---|
| Springfield, IL | 113,330 | 93 | 1.1x |
| Champaign, IL | 89,996 | 97 | 1.1x |
| Bloomington, IL | 78,907 | 95 | 1.1x |
| Normal, IL | 53,569 | 96 | 1.1x |
| Urbana, IL | 39,341 | 96 | 1.1x |
| Chatham, IL | 14,639 | 103 | 1.2x |
| Mahomet, IL | 10,049 | 107 | 1.2x |
| Savoy, IL | 8,968 | 107 | 1.2x |
| Monticello, IL | 6,304 | 97 | 1.1x |
| Mount Zion, IL | 5,660 | 92 | 1.1x |
